Compare Merritt Island, FL Car Insurance Rates (2021)

Car insurance in Merritt Island, FL averages $327 a month. Merritt Island, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Merritt Island car insurance rates, compare quotes from the top car insurance companies in Merritt Island, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Merritt Island, FL are $3,927/year
  • Average car insurance rates in Merritt Island, FL after a DUI are $4,697/year
  • The cheapest car insurance company in Merritt Island for teen drivers is USAA

If you need to buy Merritt Island, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Merritt Island, FL is right here.

You’ll find Merritt Island car insurance rates, the cheapest Merritt Island, FL car insurance companies, and information on Florida car insurance laws. You can also compare Merritt Island, Florida car insurance rates to Tampa car insurance rates, St. Petersburg car insurance rates, and Fort Lauderdale car insurance rates.

Ready to find affordable Merritt Island, FL car insurance today? Enter your ZIP code for fast, free Merritt Island car insurance quotes.

Cheapest Merritt Island, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Merritt Island, FL car insurance rates? Every Merritt Island, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Merritt Island, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,917 $3,784 $3,435 $3,509 $13,809 $15,126 $3,956 $4,036
GEICO $2,651 $2,664 $2,485 $2,485 $4,746 $5,988 $2,922 $2,973
Liberty Mutual $3,079 $3,079 $2,829 $2,829 $6,404 $9,815 $3,079 $4,142
Nationwide $2,441 $2,413 $2,187 $2,261 $5,773 $7,101 $2,683 $2,792
Progressive $3,350 $3,157 $2,882 $3,082 $9,364 $10,198 $4,019 $3,838
State Farm $1,635 $1,635 $1,491 $1,491 $4,567 $5,898 $1,814 $1,937
USAA $1,318 $1,295 $1,235 $1,223 $4,481 $5,199 $1,638 $1,764

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Minimum Car Insurance in Merritt Island, FL

Every driver must carry the minimum car insurance in Merritt Island, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Merritt Island, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Merritt Island, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Merritt Island, FL. Compare credit history car insurance rates in Merritt Island from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Merritt Island, Florida

Insurance Company Poor Fair Good
Allstate $8,982 $5,708 $4,649
GEICO $4,889 $2,969 $2,235
Liberty Mutual $5,651 $4,171 $3,399
Nationwide $4,308 $3,180 $2,881
Progressive $6,504 $4,612 $3,842
State Farm $3,498 $2,295 $1,883
USAA $3,674 $1,812 $1,322

Cheapest Merritt Island, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Merritt Island, FL to rates for a clean record with top companies.

Annual Merritt Island, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,551 $6,642 $7,419 $6,174
GEICO $2,354 $2,999 $4,447 $3,657
Liberty Mutual $3,196 $4,130 $5,961 $4,340
Nationwide $2,961 $3,242 $4,341 $3,281
Progressive $3,948 $5,814 $4,903 $5,280
State Farm $2,340 $2,778 $2,559 $2,559
USAA $1,776 $2,193 $3,246 $1,862

Cheapest Merritt Island, FL Car Insurance for Teen Drivers

Teen car insurance in Merritt Island, FL can be expensive. Take a look at rates from the top car insurance companies in Merritt Island for teenagers.

Annual Car Insurance Rates for Teen Drivers in Merritt Island, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,809 $15,126
GEICO $4,746 $5,988
Liberty Mutual $6,404 $9,815
Nationwide $5,773 $7,101
Progressive $9,364 $10,198
State Farm $4,567 $5,898
USAA $4,481 $5,199

Cheapest Merritt Island, FL Car Insurance for Seniors

Take a look at Merritt Island, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Merritt Island, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,435 $3,509
GEICO $2,485 $2,485
Liberty Mutual $2,829 $2,829
Nationwide $2,187 $2,261
Progressive $2,882 $3,082
State Farm $1,491 $1,491
USAA $1,235 $1,223

Cheapest Merritt Island, FL Car Insurance Rates After a DUI

A DUI in Merritt Island, FL increases car insurance rates. Compare Merritt Island, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Merritt Island, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,419
GEICO $4,447
Liberty Mutual $5,961
Nationwide $4,341
Progressive $4,903
State Farm $2,559
USAA $3,246

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Cheapest Merritt Island, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Merritt Island, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Merritt Island, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,262 $6,631
GEICO $3,348 $3,381
Liberty Mutual $4,268 $4,546
Nationwide $3,456 $3,456
Progressive $4,986 $4,986
State Farm $2,472 $2,646
USAA $2,244 $2,295

Cheapest Merritt Island, FL Car Insurance Rates by ZIP Code

Merritt Island car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Merritt Island, FL.

Annual Car Insurance Rates by ZIP Code in Merritt Island, Florida

ZIP Code Average Annual Rates
32952 $3,041
32953 $3,035

The Best Cheap Car Insurance Companies in Merritt Island, FL

Take a look at a side-by-side comparison of the top car insurance companies in Merritt Island, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Merritt Island, Florida

Insurance Company Average Annual Rates
Allstate $6,447
GEICO $3,364
Liberty Mutual $4,407
Nationwide $3,456
Progressive $4,986
State Farm $2,559
USAA $2,269

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Category Winners: Cheapest Car Insurance in Merritt Island, Florida

Find the cheapest car insurance companies in Merritt Island, FL for each category right here.

Best Annual Car Insurance Rates by Company in Merritt Island, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Merritt Island, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Merritt Island car insurance rates. Find the cheapest Merritt Island, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Merritt Island, Florida

Insurance Company Low Medium High
Allstate $4,934 $6,790 $7,616
GEICO $2,714 $3,489 $3,890
Liberty Mutual $4,030 $4,474 $4,717
Nationwide $2,690 $3,601 $4,078
Progressive $4,170 $5,103 $5,686
State Farm $2,160 $2,625 $2,891
USAA $1,958 $2,350 $2,500

What affects car insurance rates in Merritt Island, Florida?

What factors can have an impact on Merritt Island, FL car insurance? There are several reasons why Merritt Island car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Merritt Island, Florida.

Commute Time in Merritt Island

The more time you spend in your car the higher the risk of an accident. The average commute length in Merritt Island, FL is 24.1 minutes according to City-Data.

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Compare Car Insurance Quotes in Merritt Island, FL

Ready to find affordable Merritt Island, Florida car insurance today? Enter your ZIP code for fast, free Merritt Island, FL car insurance quotes.

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Average Monthly Car Insurance Rates by State